{"id":57637,"date":"2016-12-08T21:11:00","date_gmt":"2016-12-08T21:11:00","guid":{"rendered":""},"modified":"2024-02-07T12:55:03","modified_gmt":"2024-02-07T17:55:03","slug":"buy-not-buy-3-cross-border-couples-share-perspective","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/","title":{"rendered":"To Buy or Not to Buy? 3 Cross-Border Couples Share Their Perspective"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\">\n\t\t\t\t\t\t\t<span>Real Estate<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">To Buy or Not to Buy? 3 Cross-Border Couples Share Their Perspective<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-cross-border-buy_402x-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"A Retired Couple Making Family Memories\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-cross-border-buy_402x-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-cross-border-buy_402x-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-cross-border-buy_402x-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=To Buy or Not to Buy? 3 Cross-Border Couples Share Their Perspective &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published December 8, 2016 \u2022 6 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Whether you&#8217;ve weighed the pros and cons countless times or you&#8217;ve just started thinking about it, it&#8217;s important to consider your specific situation, how you like to spend your time, as well as your cash flow.<\/p>\n\n\n\n<p>We talked to three couples about how they made the choice to buy or rent property in the U.S..<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A Retired Couple Makes Family Memories in their Arizona Home<\/h2>\n\n\n\n<p>Robert and Dana bought a home in Arizona shortly after they retired at age 55. Both teachers with healthy pensions, they were able to retire early and get a jump on their golden years, purchasing a home near Phoenix after renting for a few winters.<\/p>\n\n\n\n<p>When asked why they decided to buy, they talked about a number of factors that made the decision easy for them.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color\">It\u2019s worth owning for us. We\u2019ve had experiences and created memories we wouldn\u2019t have if we simply rented a condo through the winter.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>According to Dana: &#8220;By retiring on the early side, we expected to have many years travelling to the U.S. and escaping the Canadian winter. We looked at it as a long-term investment. Plus, Robert was still earning an income from a side business, so money was still coming in \u2014 we knew we could carry the costs of the home without digging into our savings.<\/p>\n\n\n\n<p>On top of that, we use the home much more than just in the winter time. Our daughter is a teacher so she comes down with the family every summer. We&#8217;ve spent family holidays in Arizona, and friends and family use the home almost every month of the year. So it&#8217;s worth owning for us. We&#8217;ve had wonderful experiences and created memories we wouldn&#8217;t have if we simply rented a condo through the winter.&#8221;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Retired World Travellers Just Can&#8217;t Stay Still<\/h3>\n\n\n\n<p>Gloria and Richard also head to the U.S. every winter. But as world travellers, buying property just isn&#8217;t for them.<\/p>\n\n\n\n<p>Gloria says: &#8220;We don&#8217;t often go back to the same place twice. Some years we go to Florida, other times to California \u2014 sometimes for 2-3 months, other times for only 4 weeks. We also love to travel to Europe once a year, which is something we wouldn&#8217;t want to sacrifice by carrying the costs of a home. We don&#8217;t want to be tied down \u2014 we want to explore.&#8221;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Condo Over Cottage: Busy Professionals Use Their Florida Home to Escape Winter<\/h4>\n\n\n\n<p>Nicholas and Tina have owned a condo in Florida for several years. For these busy professionals with an active lifestyle, buying in the U.S. was the right fit:<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color\">The main benefit of buying was just the convenience of having our own place to leave our stuff. When we visit, we don\u2019t have to lug everything back and forth.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>As Nicholas explains it: &#8220;We bought for several reasons. For one, we really like warm weather and being active, and we wanted a place that was easy to get to. The main benefit of buying was just the convenience of having our own place to leave our stuff, so that when we visit we don&#8217;t have to lug everything back and forth. Also, we have a dog and always will. So eventually when we go for a long period of time, we know we can bring her \u2014 it&#8217;s not easy to rent when you have pets.<\/p>\n\n\n\n<p>&#8220;For us, this was never going to be a vacation spot,&#8221; he says, &#8220;But rather a second home to stay at when we are sick of winter. It&#8217;s not for everyone, so people really need to think about whether they are willing to commit to this expense. In the end, it&#8217;s like a cottage \u2014 you need to make sure you love the place and location. Don&#8217;t buy it as an investment, but rather as a place to enjoy for yourself and your family.&#8221;<\/p>\n\n\n\n<p>It&#8217;s important to consider both your lifestyle and your cash flow if you are considering buying or renting property in the U.S.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-grey-border-color has-light-grey-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"h-thinking-of-buying-a-home-in-the-u-s\">Thinking of Buying a Home in the U.S.?<\/h4>\n\n\n\n<p class=\"has-text-align-center\">Buying Your U.S. Dream Home \u2013 A Guide for Canadians is a one-stop resource for your U.S. home buying journey\u2014 finding a realtor, financing your purchase, understanding your insurance requirements and more.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-primary primary btn before\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/www.rbcroyalbank.com\/dms\/cross-border-banking\/fthb-ebook-i-or.html?promo_name=ENT_Cross-Border_DNL&amp;promo_id=93362&amp;promo_position=body&amp;promo_creative=To%20Buy%20or%20Not%20to%20Buy?%203%20Cross-Border%20Couples%20Share%20Their%20Perspective\" data-dig-id=\"LP-57637-1a0a2f86\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"get your guide-https:\/\/www.rbcroyalbank.com\/dms\/cross-border-banking\/fthb-ebook-i-or.html?promo_name=ENT_Cross-Border_DNL&amp;promo_id=93362&amp;promo_position=body&amp;promo_creative=To%20Buy%20or%20Not%20to%20Buy?%203%20Cross-Border%20Couples%20Share%20Their%20Perspective \">get your guide<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<h4 class=\"wp-block-heading\">If you think buying is right for you, keep in mind that purchasing U.S. property is not as difficult as you might think. Here&#8217;s why:<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcbank.com\/cross-border\/us-mortgages.html\" data-dig-id=\"LP-57637-09a1ebba\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Cross-border mortgage services\" class=\"rbc-link-format\">Cross-border mortgage services<\/a> are available, in some cases allowing you to use your Canadian credit history and banking relationship to secure a U.S. mortgage. This helps you avoid the cumbersome mortgage process some Canadians expect to go through.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Home values in the U.S. are generally less expensive than in Canada and mortgage interest rates are still relatively low.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you do own a home in the U.S. and the value rises, you can unlock the equity in your home by <a href=\"https:\/\/www.rbcbank.com\/cross-border\/us-mortgages.html\" data-dig-id=\"LP-57637-22774052\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"refinancing it\" class=\"rbc-link-format\">refinancing it<\/a>. You&#8217;ll be able to get U.S. cash out of your home, which can go a long way toward your goals. What&#8217;s more, rates in the U.S. are relatively low, making it a good time to finance.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Buying versus renting a property in the U.S. is an individual decision that should be weighed with your personal list of pros and cons. If you decide to purchase a home in the U.S., make sure you do your research. Look for real estate and lending partners who understand the unique challenges for Canadians purchasing property in the U.S., and be sure to consider all factors so that you can make the most of your time south of the border.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:225px\">\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"905\" height=\"543\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/images-167.png?w=905\" alt=\"Helping Canadians Buy Property.\" class=\"wp-image-67155\" style=\"width:202px\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/images-167.png 905w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/images-167.png?resize=300,180 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/images-167.png?resize=768,461 768w\" sizes=\"auto, (max-width: 905px) 100vw, 905px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column mar-l has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h5 class=\"wp-block-heading mar-t-qtr mar-l-qtr has-white-color has-text-color\" id=\"h-brought-to-you-by-rbc-banktm-u-s\">Brought to you by RBC Bank<sup>TM<\/sup> U.S.<\/h5>\n\n\n\n<p class=\"mar-l-qtr has-white-color has-text-color\"><a href=\"https:\/\/www.rbcbank.com\/cross-border\/us-mortgages.html\" data-dig-id=\"LP-57438-050f2376\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Helping Canadians buy property in all 50 states\" class=\"rbc-link-format\">Helping Canadians buy property in all 50 states<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<p>RBC Bank is RBC Bank (Georgia), National Association (\u201cRBC Bank\u201d), a wholly owned U.S. banking subsidiary of Royal Bank of Canada, and is a member of the U.S. Federal Deposit Insurance Corporation (\u201cFDIC\u201d). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (\u201cCDIC\u201d). RBC Bank, Equal Housing Lender.<img loading=\"lazy\" decoding=\"async\" width=\"54\" height=\"62\" style=\"vertical-align: middle;margin: 0 2px;width: 30px\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/08\/House_logo-1-172.jpg\" alt=\"equal housing lender\"><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-1c5a347c-62fd-42a9-ac4b-430c80bcdb5a\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=To Buy or Not to Buy? 3 Cross-Border Couples Share Their Perspective &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-84671d25-da2a-4285-833f-42d728a1a1a5\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/home-ownership\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Home Ownership<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Real Estate<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"540\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-2162644435-student-credit.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Students smile while discussing student credit\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-2162644435-student-credit.jpg 4096w, 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decoding=\"async\" width=\"1024\" height=\"670\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A house in Florida\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg 2140w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?resize=300,196 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?resize=768,502 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?resize=1024,670 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?resize=1536,1005 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?resize=2048,1340 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/\">\n\t\t\t\t\t\tBuying or Refinancing a US Property\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/canadians-chasing-sun-fun-and-savings-what-american-real-estate-trends-reveal\/\" class=\"card-title h4 mar-t-0\">Canadians Chasing Sun, Fun and Savings: What American Real Estate Trends Reveal<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-1c5a347c-62fd-42a9-ac4b-430c80bcdb5a {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-1c5a347c-62fd-42a9-ac4b-430c80bcdb5a {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-84671d25-da2a-4285-833f-42d728a1a1a5 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-84671d25-da2a-4285-833f-42d728a1a1a5 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Thinking of buying property in the U.S.? Hear what three cross-border couples have to say about buying versus renting south of the border.<\/p>\n","protected":false},"author":10,"featured_media":64335,"parent":57294,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[57,60],"rbc_content_type":[31],"rbc_audience":[],"rbc_lob_group":[122],"rbc_difficulty_level":[70],"rbc_mmm_category":[310,303,338,347,311],"class_list":["post-57637","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-home-ownership","tag-real-estate","rbc_content_type-article","rbc_lob_group-cross-border","rbc_difficulty_level-intermediate","rbc_mmm_category-buying-a-home","rbc_mmm_category-goals-aspirations","rbc_mmm_category-investment-property-and-vacation-home","rbc_mmm_category-living-in-the-us","rbc_mmm_category-travel-and-cross-border"],"acf":{"contently_publication_id":"93362","custom_author":"Diane Amato","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"We talked to three couples about how they made the choice to buy or rent property in the U.S.. Here are their stories.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"We talked to three couples about how they made the choice to buy or rent property in the U.S.. Here are their stories.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Royal Bank\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-07T17:55:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-cross-border-buy_402x-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"930\" \/>\n\t<meta property=\"og:image:height\" content=\"620\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/\"},\"author\":{\"name\":\"RBC\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/565fe74483a298c05d1be363c890c7b0\"},\"headline\":\"To Buy or Not to Buy? 3 Cross-Border Couples Share Their Perspective\",\"datePublished\":\"2016-12-08T21:11:00+00:00\",\"dateModified\":\"2024-02-07T17:55:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/\"},\"wordCount\":1093,\"image\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-cross-border-buy_402x-1.jpg?quality=80\",\"keywords\":[\"Home Ownership\",\"Real Estate\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/\",\"url\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/\",\"name\":\"To Buy or Not to Buy? 3 Cross-Border Couples Share Their Perspective - My Money Matters\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/buy-not-buy-3-cross-border-couples-share-perspective\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-cross-border-buy_402x-1.jpg?quality=80\",\"datePublished\":\"2016-12-08T21:11:00+00:00\",\"dateModified\":\"2024-02-07T17:55:03+00:00\",\"description\":\"We talked to three couples about how they made the choice to buy or rent property in the U.S.. 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